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Lazy Portfolio ETF
Lazy permanent portfolios built with ETFs
Last Update: 29 February 2024
The Betterment Robo Advisor 10 Portfolio obtained a 4.10% compound annual return, with a 2.54% standard deviation, in the last 30 Years.
The Stocks/Bonds 40/60 Portfolio obtained a 7.00% compound annual return, with a 6.99% standard deviation, in the last 30 Years.
Summary
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| Betterment Robo Advisor 10 Portfolio | Stocks/Bonds 40/60 Portfolio | ||
|---|---|---|---|
| Portfolio Risk | Low | Medium | |
| Asset Allocation | Stocks | 9.9% | 40% |
| Fixed Income | 90.1% | 60% | |
| Commodities | 0% | 0% | |
| 30 Years Stats | Return | +4.10% | +7.00% |
| Std Dev | 2.54% | 6.99% | |
| Max Drawdown | -8.91% | -19.17% | |
| All time Stats (Since Jan 1985) | Return | +5.55% | +8.24% |
| Std Dev | 2.90% | 7.26% | |
| Max Drawdown | -8.91% | -19.17% | |
| Last Update: 29 February 2024 | |||
Historical Returns as of Feb 29, 2024
Comparison period starts from January 1985
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| 1M | 6M | 1Y | 5Y | 10Y | 30Y | MAX | |
|---|---|---|---|---|---|---|---|
| Betterment Robo Advisor 10 Portfolio | -0.02 | +3.28 | +5.62 | +1.85 | +1.80 | +4.10 | +5.55 |
| Stocks/Bonds 40/60 Portfolio | +1.32 | +6.96 | +13.37 | +6.01 | +5.74 | +7.00 | +8.24 |
| Return over 1 year are annualized. |
Capital Growth as of Feb 29, 2024
Betterment Robo Advisor 10 Portfolio: an investment of 1$, since March 1994, now would be worth 3.33$, with a total return of 233.46% (4.10% annualized).
Stocks/Bonds 40/60 Portfolio: an investment of 1$, since March 1994, now would be worth 7.61$, with a total return of 661.45% (7.00% annualized).
Betterment Robo Advisor 10 Portfolio: an investment of 1$, since January 1985, now would be worth 8.29$, with a total return of 728.68% (5.55% annualized).
Stocks/Bonds 40/60 Portfolio: an investment of 1$, since January 1985, now would be worth 22.26$, with a total return of 2126.34% (8.24% annualized).
Drawdowns
Drawdown comparison chart since March 1994.
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Betterment Robo Advisor 10 Portfolio | Stocks/Bonds 40/60 Portfolio | ||||||||
|---|---|---|---|---|---|---|---|---|---|
| Drawdown | Start | Bottom Date (#Months) | Recovery Date (#Months) | Ulcer Index | Drawdown | Start | Bottom Date (#Months) | Recovery Date (#Months) | Ulcer Index |
| -19.17% | Nov 2007 | Feb 2009 (16) | Nov 2009 (25) | 8.87 | |||||
| -18.63% | Jan 2022 | Sep 2022 (9) | In progress (26) | 11.00 | |||||
| -8.91% | Sep 2021 | Sep 2022 (13) | In progress (30) | 4.95 | |||||
| -8.59% | Sep 2000 | Sep 2002 (25) | May 2003 (33) | 4.25 | |||||
| -8.09% | Feb 2020 | Mar 2020 (2) | May 2020 (4) | 3.88 | |||||
| -6.25% | Jul 1998 | Aug 1998 (2) | Nov 1998 (5) | 2.81 | |||||
| -5.36% | Sep 2018 | Dec 2018 (4) | Mar 2019 (7) | 2.59 | |||||
| -4.76% | Jun 2011 | Sep 2011 (4) | Dec 2011 (7) | 1.98 | |||||
| -4.10% | Mar 1994 | Jun 1994 (4) | Jan 1995 (11) | 2.30 | |||||
| -3.96% | May 2010 | Jun 2010 (2) | Sep 2010 (5) | 2.10 | |||||
| -3.79% | Apr 2000 | May 2000 (2) | Aug 2000 (5) | 1.92 | |||||
| -3.55% | Apr 2008 | Oct 2008 (7) | May 2009 (14) | 1.66 | |||||
| -3.41% | Jun 2015 | Sep 2015 (4) | Mar 2016 (10) | 1.86 | |||||
| -2.87% | Feb 2018 | Apr 2018 (3) | Jul 2018 (6) | 1.80 | |||||
| -2.59% | Sep 2020 | Oct 2020 (2) | Nov 2020 (3) | 1.49 | |||||
| -2.57% | Feb 1999 | Feb 1999 (1) | Apr 1999 (3) | 1.33 | |||||
| -2.56% | Sep 2021 | Sep 2021 (1) | Oct 2021 (2) | 1.48 | |||||
| -2.46% | Apr 2004 | Apr 2004 (1) | Sep 2004 (6) | 1.50 | |||||
| -2.41% | Mar 1997 | Mar 1997 (1) | Apr 1997 (2) | 1.39 | |||||
| -2.32% | Jul 1999 | Sep 1999 (3) | Oct 1999 (4) | 1.55 | |||||
Drawdown comparison chart since January 1985.
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Betterment Robo Advisor 10 Portfolio | Stocks/Bonds 40/60 Portfolio | ||||||||
|---|---|---|---|---|---|---|---|---|---|
| Drawdown | Start | Bottom Date (#Months) | Recovery Date (#Months) | Ulcer Index | Drawdown | Start | Bottom Date (#Months) | Recovery Date (#Months) | Ulcer Index |
| -19.17% | Nov 2007 | Feb 2009 (16) | Nov 2009 (25) | 8.87 | |||||
| -18.63% | Jan 2022 | Sep 2022 (9) | In progress (26) | 11.00 | |||||
| -13.08% | Sep 1987 | Nov 1987 (3) | Oct 1988 (14) | 6.07 | |||||
| -8.91% | Sep 2021 | Sep 2022 (13) | In progress (30) | 4.95 | |||||
| -8.59% | Sep 2000 | Sep 2002 (25) | May 2003 (33) | 4.25 | |||||
| -8.09% | Feb 2020 | Mar 2020 (2) | May 2020 (4) | 3.88 | |||||
| -6.25% | Jul 1998 | Aug 1998 (2) | Nov 1998 (5) | 2.81 | |||||
| -5.98% | Feb 1994 | Jun 1994 (5) | Feb 1995 (13) | 3.72 | |||||
| -5.70% | Aug 1990 | Sep 1990 (2) | Dec 1990 (5) | 3.67 | |||||
| -5.36% | Sep 2018 | Dec 2018 (4) | Mar 2019 (7) | 2.59 | |||||
| -4.76% | Jun 2011 | Sep 2011 (4) | Dec 2011 (7) | 1.98 | |||||
| -4.37% | Sep 1986 | Sep 1986 (1) | Jan 1987 (5) | 2.06 | |||||
| -3.96% | May 2010 | Jun 2010 (2) | Sep 2010 (5) | 2.10 | |||||
| -3.94% | Jan 1990 | Jan 1990 (1) | May 1990 (5) | 2.59 | |||||
| -3.79% | Apr 2000 | May 2000 (2) | Aug 2000 (5) | 1.92 | |||||
| -3.55% | Apr 2008 | Oct 2008 (7) | May 2009 (14) | 1.66 | |||||
| -3.41% | Jun 2015 | Sep 2015 (4) | Mar 2016 (10) | 1.86 | |||||
| -3.17% | Feb 1994 | Jun 1994 (5) | Feb 1995 (13) | 2.21 | |||||
| -2.87% | Feb 2018 | Apr 2018 (3) | Jul 2018 (6) | 1.80 | |||||
| -2.59% | Sep 2020 | Oct 2020 (2) | Nov 2020 (3) | 1.49 | |||||
Yearly Returns
For each year, the following table provides the return and intra-year drawdown.
The highlighted returns represent the highest values for that specific year.
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| Betterment Robo Advisor 10 Portfolio | Stocks/Bonds 40/60 Portfolio | |||
|---|---|---|---|---|
| Year | Return | Drawdown | Return | Drawdown |
| 2024 | +0.06% | -0.02% | +1.67% | 0.00% |
| 2023 | +5.92% | -1.47% | +13.66% | -6.58% |
| 2022 | -6.66% | -8.39% | -15.67% | -18.63% |
| 2021 | +0.88% | -0.88% | +9.15% | -2.56% |
| 2020 | +4.71% | -1.19% | +13.04% | -8.09% |
| 2019 | +6.61% | 0.00% | +17.57% | -1.77% |
| 2018 | +0.02% | -0.91% | -2.15% | -5.36% |
| 2017 | +3.34% | -0.02% | +10.63% | -0.00% |
| 2016 | +2.45% | -1.03% | +6.64% | -1.57% |
| 2015 | +0.10% | -1.18% | +0.48% | -3.41% |
| 2014 | +1.76% | -0.61% | +8.51% | -1.20% |
| 2013 | +1.99% | -1.31% | +12.12% | -1.84% |
| 2012 | +3.35% | -0.85% | +8.47% | -2.11% |
| 2011 | +1.84% | -1.48% | +5.14% | -4.76% |
| 2010 | +4.56% | -0.60% | +10.69% | -3.96% |
| 2009 | +5.43% | -3.09% | +13.74% | -8.68% |
| 2008 | +1.51% | -3.55% | -10.67% | -14.39% |
| 2007 | +7.32% | 0.00% | +6.30% | -1.93% |
| 2006 | +5.96% | -0.47% | +8.84% | -1.40% |
| 2005 | +3.37% | -0.59% | +3.96% | -1.77% |
| 2004 | +3.50% | -1.68% | +7.66% | -2.46% |
| 2003 | +7.36% | -0.53% | +14.68% | -1.08% |
| 2002 | +5.59% | -0.24% | -3.23% | -6.97% |
| 2001 | +6.78% | -0.09% | +0.67% | -5.62% |
| 2000 | +7.31% | -0.69% | +2.61% | -4.51% |
| 1999 | +5.47% | -1.00% | +9.07% | -2.57% |
| 1998 | +7.51% | -1.05% | +14.45% | -6.25% |
| 1997 | +7.18% | -0.73% | +18.06% | -2.41% |
| 1996 | +6.42% | -0.77% | +10.53% | -2.15% |
| 1995 | +14.22% | 0.00% | +25.22% | 0.00% |
| 1994 | -1.25% | -3.17% | -1.66% | -5.98% |
| 1993 | +10.54% | -0.63% | +10.06% | -1.23% |
| 1992 | +6.61% | -1.12% | +7.93% | -1.27% |
| 1991 | +15.83% | -0.59% | +22.10% | -1.98% |
| 1990 | +7.24% | -1.52% | +2.76% | -5.70% |
| 1989 | +14.16% | -0.50% | +19.43% | -1.12% |
| 1988 | +8.05% | -0.37% | +11.34% | -1.71% |
| 1987 | +3.74% | -1.32% | +1.97% | -13.08% |
| 1986 | +12.96% | -1.17% | +14.89% | -4.37% |
| 1985 | +17.68% | -0.60% | +25.86% | -1.17% |
